1977年通过的《社区再投资法》已经有了三十年的历史。在这三十年中,它经历了一系列事件,包括银行业重组、监管条例的逐步改变,并发展为社区开发中的最优做法。虽然《社区再投资法》取得了许多成功,但如果要使其在促进中低收入(LMI))社区开发中继续发挥重要作用,需要进行一次大的修订。本文讨论了修改 The Community Reinvestment Act, passed in 1977, has a history of thirty years. During these three decades, it has undergone a series of events, including the restructuring of banks and gradual changes in regulatory regulations, and has developed into an optimal practice in community development. Although the Community Reinvestment Law has achieved many successes, a major revision is needed if it is to continue to play an important role in community development that promotes low- and medium-income (LMI) communities. This article discusses the changes